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    <title>Servicing</title>
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      <![CDATA[Description+goes+here]]>
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      <title>GSEs Ease Condo Rules for Property Insurance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236998</guid>
      <pubDate>Fri, 20 Mar 2026 14:15:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules</link>
    </item>
    <item>
      <title>GSEs Issue Guidance Amid DHS Funding Lapse</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac assured lenders that mortgages will not become ineligible for delivery solely because of the shutdown, temporarily relaxing employment verification and available reserve requirements for impacted borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236865</guid>
      <pubDate>Fri, 06 Mar 2026 14:49:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236865-gses-issue-shutdown-guidance</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[AI controversy; FHFA faces FOIA lawsuit; Fannie prices tender offer; new CRT deals; Freddie creates disaster hotline.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236873</guid>
      <pubDate>Fri, 06 Mar 2026 14:45:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236873-gse-roundup</link>
    </item>
    <item>
      <title>FHFA to Improve Nonbank Supervision on GAO Nudge</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Government Accountability Office said FHFA can’t accurately gauge the accuracy of the data it uses to monitor nonbanks and overlooks key risks associated with warehouse lending. FHFA agreed to address the issues.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236733</guid>
      <pubDate>Fri, 20 Feb 2026 14:47:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236733-gao-non-bank-mortgage-companies-need-closer-fhfa-supervision</link>
    </item>
    <item>
      <title>Freddie Enhances Construction-to-Permanent Loan Option</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The enterprise expanded eligibility for one-time-close loan options and aligned disaster-related forbearance terms with Fannie Mae.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236742</guid>
      <pubDate>Fri, 20 Feb 2026 14:44:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236742-freddie-enhances-construction-to-permanent-loan-option</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Executive salary change at Freddie; FHLB membership for community lenders in Puerto Rico; FHFA re-elects GSE boards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236748</guid>
      <pubDate>Fri, 20 Feb 2026 14:40:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236748-gse-roundup</link>
    </item>
    <item>
      <title>Rocket/Mr. Cooper Combo Dominates GSE Servicing</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Market share of the top-five GSE servicers jumped from 35.1% in the third quarter of 2025 to 40.4% in the fourth. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236458</guid>
      <pubDate>Fri, 23 Jan 2026 16:00:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236458-rocket-mr-cooper-combo-dominates-gse-servicing</link>
    </item>
    <item>
      <title>CHLA Prefers Retaining Tri-Merge Score Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The trade group argues that a likely shift to a single-bureau credit pull may not actually lower rates and could add risk to the system.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236436</guid>
      <pubDate>Thu, 22 Jan 2026 11:53:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236436-chla-prefers-retaining-the-tri-merge</link>
    </item>
    <item>
      <title>Freddie Strengthens Sponsor Underwriting for Multifamily</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie is revising its liquidity verification documentation requirements for sponsors to include a liquidity verification worksheet with delivery of the full underwriting package.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236331</guid>
      <pubDate>Fri, 09 Jan 2026 15:31:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236331-freddie-strengthens-sponsor-underwriting-for-multifamily</link>
    </item>
    <item>
      <title>Fannie Steps Up Fraud Prevention</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie alerts seller/servicers to stiffer fraud detection rules. For example, lenders have 24 hours to report any borrower if they’re found on the Department of Treasury’s foreign assets control sanctions list.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236223</guid>
      <pubDate>Fri, 19 Dec 2025 13:00:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236223-fannie-steps-up-fraud-prevention</link>
    </item>
    <item>
      <title>Nonbank Servicers Continue to Gain Share in GSE Market</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[If the merger of Rocket Mortgage and Mr. Cooper had been completed in time to include third-quarter numbers, the resulting company would have had a GSE servicing portfolio approaching $1.0 trillion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235720</guid>
      <pubDate>Fri, 24 Oct 2025 14:08:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235720-nonbank-mortgage-servicers-continue-to-gain-market-share</link>
    </item>
    <item>
      <title>GSEs Update Seller/Servicer Guides</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie modifies how it treats income from ADUs; Freddie requires large servicers to undergo annual AICPA security examinations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235584</guid>
      <pubDate>Fri, 10 Oct 2025 16:20:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235584-gses-update-seller-servicer-guides</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie board member jumps to Fannie board; a week of CAS and STACR tender offers; and seller/servicer guidance for the shutdown.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235590</guid>
      <pubDate>Fri, 10 Oct 2025 16:08:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235590-gse-round-up</link>
    </item>
    <item>
      <title>Rocket-Mr. Cooper Merger Approval Comes With a Rider</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Regulatory approval of the merged company creates the second-largest GSE seller and by far the largest GSE servicer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235191</guid>
      <pubDate>Fri, 29 Aug 2025 11:42:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235191-rocket-mr-cooper-successor-as-gse-seller-servicer</link>
    </item>
    <item>
      <title>Nonbank GSE Servicers’ Market Share Flat in 2Q</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although total GSE servicing remained almost unchanged as of the end of the second quarter, some large servicers — mostly nonbanks — experienced disproportionate year-over-year gains in volume. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234826</guid>
      <pubDate>Fri, 18 Jul 2025 16:25:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234826-nonbank-gse-servicers-eke-out-another-gain-in-market-share</link>
    </item>
    <item>
      <title>GSE Loss-Mit Seen as More Cost Effective Than Foreclosure</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[By some estimates, the average short sale or a foreclosure costs the GSEs $19,000 more than putting the borrower through a home-retention program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234703</guid>
      <pubDate>Thu, 03 Jul 2025 12:50:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234703-estimating-gse-savings-from-loss-mitigation-waterfall</link>
    </item>
    <item>
      <title>Updates to the GSEs’ Seller/Servicer Guides</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie both issued sellers guide updates alerting lenders to upcoming changes to UAD 3.6 and URAR. Other updates affect quality control procedures, measurement standards and attorney fees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234593</guid>
      <pubDate>Fri, 20 Jun 2025 15:11:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234593-updates-to-the-gses-seller-servicer-guides</link>
    </item>
    <item>
      <title>Freddie Updates Multifamily Insurance Standards</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[All insurance policies related to multifamily mortgage applications must now include the borrower as a “named insured” party.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234487</guid>
      <pubDate>Fri, 06 Jun 2025 14:20:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234487-freddie-updates-insurance-standards-in-mf-sellers-guide</link>
    </item>
    <item>
      <title>Freddie Incentivizes Better Data Hygiene for Servicers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Servicers can get a head start on data reconciliation by taking advantage of a waiver of compensatory fees for servicing data requests.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234232</guid>
      <pubDate>Fri, 09 May 2025 15:50:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234232-freddie-incentivizes-better-data-hygiene-for-servicers</link>
    </item>
    <item>
      <title>Fannie Pushes Income Calculator for Rep Relief</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage professionals can use a free online tool from Fannie to get more accurate income calculations and benefit from rep and warrant relief for the loans they sell to the GSE.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234233</guid>
      <pubDate>Fri, 09 May 2025 15:48:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234233-fannie-pushes-its-income-calculator</link>
    </item>
    <item>
      <title>Largest GSE Servicers Lose Market Share in First Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Chase Home Financial remained the largest GSE servicer with a portfolio of $589.62 billion at the end of March. But Mr. Cooper came in a close second. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234088</guid>
      <pubDate>Fri, 25 Apr 2025 14:48:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234088-largest-gse-servicers-lose-market-share</link>
    </item>
    <item>
      <title>Fannie Updates Foreclosure Time Frames</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The time frames for servicers to complete routine foreclosures will expand in 17 states and shorten in four others.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234000</guid>
      <pubDate>Fri, 11 Apr 2025 15:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234000-fannie-updates-foreclosure-time-frames</link>
    </item>
    <item>
      <title>Freddie Updates Servicer Scorecard Metrics</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The new metrics are designed to encourage servicers to manage risk through better tracking and to achieve higher performance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233725</guid>
      <pubDate>Fri, 14 Mar 2025 15:43:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233725-freddie-updates-servicer-scorecard-metrics</link>
    </item>
    <item>
      <title>More Servicing Changes at Freddie Mac</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[To speed up and improve the efficiency of servicing, Freddie announced enhancements to STOS, PAID and VPC.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233728</guid>
      <pubDate>Fri, 14 Mar 2025 15:42:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233728-more-servicing-changes-at-freddie-mac</link>
    </item>
    <item>
      <title>Freddie Updates Servicing Transfer Procedures</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Updates will automate parts of the voluntary partial-cancellation process that are currently manual. This tool will be available through Freddie’s Gateway portal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233594</guid>
      <pubDate>Fri, 28 Feb 2025 14:36:02 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233594-freddie-updates-servicing-transfer-procedures</link>
    </item>
    <item>
      <title>New Cybersecurity Rules for Fannie Seller/Servicers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie seller/servicers must now have information security programs that meet NIST or ISO standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233456</guid>
      <pubDate>Fri, 14 Feb 2025 16:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233456-new-cybersecurity-rules-for-fannie-seller-servicers</link>
    </item>
    <item>
      <title>Freddie Mac Unveils New Portal for Single-Family</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[No more tabbing back and forth between Loan Advisor and Servicing Gateway to find the tools you need. All Freddie’s single-family technology will now be available through its new Gateway portal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233343</guid>
      <pubDate>Fri, 31 Jan 2025 15:01:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233343-freddie-mac-unveils-new-portal-for-single-family</link>
    </item>
    <item>
      <title>Large Nonbanks Continue to Dominate GSE Servicing</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[At its current pace, by the end of March Mr. Cooper Group will have overtaken Chase Home Finance as the largest GSE server. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233217</guid>
      <pubDate>Fri, 17 Jan 2025 16:15:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233217-large-nonbanks-continue-to-dominate-gse-servicing</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[California wildfires, attorney fees, collateral valuations and board elections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233229</guid>
      <pubDate>Fri, 17 Jan 2025 16:05:33 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233229-gses-in-brief</link>
    </item>
    <item>
      <title>Should GSEs Be Liable for Third-Party UDAP Violations?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[MBA revisits complaints about a new regulation that requires the GSEs to certify that third-party service providers are compliant with FTC rules covering unfair or deceptive acts or practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233087</guid>
      <pubDate>Fri, 03 Jan 2025 13:55:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233087-should-gses-be-liable-for-third-party-udap-violations</link>
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